Additional coverage can cost about $10-$15 a month for every $100,000 in coverage.

Why is accidental death and dismemberment coverage important?

Important benefits for you and your family:

TruStage Accidental Death and Dismemberment Insurance can be an affordable supplement to life insurance. It pays a cash benefit if an accident causes loss of life, or specific permanent injuries. Here are the details of AD&D coverage:

Learn more about this important coverage and how it protects your family.

Claim your no-cost AD&D coverage now.

Exclusively for credit union members.

It's a complimentary benefit of credit union membership.

Add more AD&D coverage at a price you'll like.

$100,000 in coverage can cost about $10-$15 a month.

Additional coverage can cost about $10-$15 a month for every $100,000 in coverage.

Claim your no-cost AD&D coverage now.

Exclusively for credit union members.

At about $10/month why wait?

With no health questions, it's easy to add more coverage.

Important benefits for you and your family:

TruStage Accidental Death and Dismemberment Insurance can be an affordable supplement to life insurance. It pays a cash benefit if an accident causes loss of life, or specific permanent injuries. Here are the details of AD&D coverage:

Not available in Puerto Rico.Not available in Puerto Rico.Not available in Puerto Rico.

Questions? We're here to help.Call 1-888-888-3942

StepContact Info

StepBeneficiaries

StepCoverage

StepPayment

StepSummary

* denotes required fields.

*First Name:

Middle Name:

*Last Name:

*Address:

Address 2:

*City:

If this is a military address please enter "APO", "FPO" or "DPO.

State:

ZIP Code:

*Phone:

*Date of Birth:

At age 70, your benefit will be reduced by 50%.

*Email:

@

*Confirm Email:

@

Retrieving coverage details...

Not available in Puerto Rico.

Retrieving data

Beneficiaries

Naming a beneficiary means money can go directly to someone you choose. You can name more than one beneficiary and divide the funds. You may also add contingent beneficiaries: those who will collect benefits should each primary beneficiary be deceased. Or, you can select ‘No Thanks’ and we will pay benefits according to the policy. Click ‘View Product Details’ at the right for more information on coverage and beneficiaries.

Primary Beneficiaries

Contingent Beneficiaries

Total:
%
Your list of primary beneficiaries and contingent beneficiaries must each add up to 100%.

No, thanks.

Confirm Coverage

You have accepted of no-cost coverage.

Did you know that you can add more TruStage AD&D coverage from CMFG Life Insurance Company? It can be just for you, or include your spouse and/or children. It could be a good idea to add coverage to an AD&D policy. Additional coverage could mean more resources for bills, debts, or even a mortgage payoff.

And when you discover how inexpensive it can be to increase your coverage, you might realize that adding to your coverage now simply makes sense.

Please select who will be covered under your AD&D insurance policy. Choose “Add Single Coverage” if your policy will only cover you. Choose “Add Family Coverage” if the policy will include you and your family members.

AD&D Important Info

The "I Accept" button at the bottom of this page is very important. When you click it, you're agreeing to all the information shown below, legal details and requirements of electronic transactions, communications, and signatures. You're also agreeing to other important terms and conditions, preauthorized payments and more. Please take a few minutes to review this information and read it thoroughly. If you have any questions or need any assistance, please call us at 1-888-787-8243.
______________________________________________________________

IMPORTANT INFORMATION

By selecting the "I Accept" button at the bottom of this page, you acknowledge that you have reviewed this information and wish to proceed with enrollment. Accidental Death & Dismemberment Insurance is underwritten by CMFG Life Insurance Company (CUNA Mutual Insurance Society in California and New Mexico), ("the Company").

By clicking "I Accept" below, you consent to conduct transactions in electronic form. This can include the use of electronic communications, electronic records, electronic signatures for the communications, and electronic notices and disclosures described below.

You also acknowledge that:
•You can access and read this Consent and Agreement to use Electronic Signature and Electronic Delivery of Information.
•You can print this Consent and Agreement.
•Your electronic signature is the legal equivalent of your written signature, just as if you had signed a paper document.

You are not obligated to enter into transactions electronically and may conduct insurance transactions in paper format instead.

It is your responsibility to provide us with an accurate email address as well as other contact information. It is also your responsibility to inform us of any changes in this information.

If you choose to conduct insurance transactions in paper form, withdraw your consent to electronic transactions, or to would like to update your contact information, please contact CMFG Life Insurance Company. You can call us toll-free at 1-888-787-8243 or write to CMFG Life Insurance Company, P.O. Box 61, Waverly, IA 50677-0061. There is no fee charged for such requests.

You agree that your electronic signature authorizes the Company to do the following:
•Electronically process this insurance transaction and any future transactions that may be needed to administer and help keep your coverage in force under the insurance policy.
•Communicate with you by mail, telephone or email.

You consent to use electronic communications, electronic records and electronic signatures rather than paper documents for:
•agreements and contracts, including this Consent and Agreement.
•notices and/or disclosures that various federal and/or state laws or regulations require that we provide to you.
•notices, documents, statements, data, records or communications regarding your coverage, including changes in terms of coverage.
•privacy policies and notices.
•periodic billing or account statements.

You understand and agree that this election provides consent to the Company to deliver all notices electronically, including notice of nonrenewal and notice of cancellation. To ensure uninterrupted communication, please be sure to update the email address you provided to the Company in the event this email address should change.

You understand and agree that in order to access the documents we send to you electronically, a minimum standard of technology is required, The fully functional hardware, software and services necessary include a computer with a Microsoft Windows or Macintosh operating system, Internet access, a working email address and email software, compatible web-browsing software such as Internet Explorer and Internet access services. You understand that you will be deemed to have received the foregoing documents even if you fail to provide the necessary technology.

A confirmation email will be sent to you upon completion of your enrollment. Please note that after you enroll, you will not have access to your electronic enrollment record. We encourage you to print your enrollment record, including this Important Information, at the time of enrollment.

Additional Terms and Conditions
•Your credit union enables this insurance program to be offered and is entitled to compensation from the Company for doing so.
•You acknowledge and agree that the information you have provided is true and accurate and that you are a member of the credit union you designated.
•You cannot be the insured under more than one no-cost certificate/policy per credit union. Upon discovery of duplicate enrollment, the duplicate will be voided and coverage will not take effect.

Preauthorized Payment Authorization

By clicking "I Accept" below, you authorize the Company to retain your account information and deduct premiums from your checking or savings account or charge your credit card for the additional coverage as indicated above in the Enrollment Summary.

Fraud Notice

Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit, or knowingly presents false information in an application for insurance may be guilty of a crime and subject to fines and confinement in prison, and denial of insurance benefits, depending on state law. Residents of CO: It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies. Residents of DC–WARNING: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits, if false information materially related to a claim was provided by the applicant. Residents of FL and NY: See enrollment form. Residents of AL and MD: Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. Residents of NJ: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties. Residents of OH: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud. Residents of KY and PA: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or a statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Thank you for enrolling in AD&D coverage.

You've taken an important step in protecting the achievements and aspirations of the people who matter most in your life. Please print out the following for your records. You will receive a policy in the mail officially verifying your coverage. If you have any questions call us at 1-888-888-0375.

You may also be eligible for other TruStage insurance products and programs. Be sure to find out more at www.TruStage.com.

Enrollment Summary

Your Confirmation Number:

My AD&D Coverage

No-Cost Coverage:

Additional Coverage:

Monthly Premium:

Plan Type:

Contact Information

Phone:

DOB:

E-mail:

Beneficiary Information

Primary Beneficiary

Contingent Beneficiary

Payment Information

Account Type:

Financial Institution:

Account #:

Routing #:

Payment Frequency:

Payment Date: After the effective date of coverage, we will debit your account in the amount of on day of the month, on a basis.

Account Type:

Financial Institution:

Account #:

Routing #:

Payment Frequency:

Payment Date: After the effective date of coverage, we will debit your account in the amount of on day of the month, on a basis.

Credit Card #: ending in

Expiration Date:

Cardholder:

Payment Frequency:

Payment Date: After the effective date of coverage, we will charge your account in the amount of on day of the month, on a basis.

AD&D Important Info

The "I Accept" button at the bottom of this page is very important. When you click it, you're agreeing to all the information shown below, legal details and requirements of electronic transactions, communications, and signatures. You're also agreeing to other important terms and conditions, preauthorized payments and more. Please take a few minutes to review this information and read it thoroughly. If you have any questions or need any assistance, please call us at 1-888-787-8243.
______________________________________________________________

IMPORTANT INFORMATION

By selecting the "I Accept" button at the bottom of this page, you acknowledge that you have reviewed this information and wish to proceed with enrollment. Accidental Death & Dismemberment Insurance is underwritten by CMFG Life Insurance Company (CUNA Mutual Insurance Society in California and New Mexico), ("the Company").

By clicking "I Accept" below, you consent to conduct transactions in electronic form. This can include the use of electronic communications, electronic records, electronic signatures for the communications, and electronic notices and disclosures described below.

You also acknowledge that:
•You can access and read this Consent and Agreement to use Electronic Signature and Electronic Delivery of Information.
•You can print this Consent and Agreement.
•Your electronic signature is the legal equivalent of your written signature, just as if you had signed a paper document.

You are not obligated to enter into transactions electronically and may conduct insurance transactions in paper format instead.

It is your responsibility to provide us with an accurate email address as well as other contact information. It is also your responsibility to inform us of any changes in this information.

If you choose to conduct insurance transactions in paper form, withdraw your consent to electronic transactions, or to would like to update your contact information, please contact CMFG Life Insurance Company. You can call us toll-free at 1-888-787-8243 or write to CMFG Life Insurance Company, P.O. Box 61, Waverly, IA 50677-0061. There is no fee charged for such requests.

You agree that your electronic signature authorizes the Company to do the following:
•Electronically process this insurance transaction and any future transactions that may be needed to administer and help keep your coverage in force under the insurance policy.
•Communicate with you by mail, telephone or email.

You consent to use electronic communications, electronic records and electronic signatures rather than paper documents for:
•agreements and contracts, including this Consent and Agreement.
•notices and/or disclosures that various federal and/or state laws or regulations require that we provide to you.
•notices, documents, statements, data, records or communications regarding your coverage, including changes in terms of coverage.
•privacy policies and notices.
•periodic billing or account statements.

You understand and agree that this election provides consent to the Company to deliver all notices electronically, including notice of nonrenewal and notice of cancellation. To ensure uninterrupted communication, please be sure to update the email address you provided to the Company in the event this email address should change.

You understand and agree that in order to access the documents we send to you electronically, a minimum standard of technology is required, The fully functional hardware, software and services necessary include a computer with a Microsoft Windows or Macintosh operating system, Internet access, a working email address and email software, compatible web-browsing software such as Internet Explorer and Internet access services. You understand that you will be deemed to have received the foregoing documents even if you fail to provide the necessary technology.

A confirmation email will be sent to you upon completion of your enrollment. Please note that after you enroll, you will not have access to your electronic enrollment record. We encourage you to print your enrollment record, including this Important Information, at the time of enrollment.

Additional Terms and Conditions
•Your credit union enables this insurance program to be offered and is entitled to compensation from the Company for doing so.
•You acknowledge and agree that the information you have provided is true and accurate and that you are a member of the credit union you designated.
•You cannot be the insured under more than one no-cost certificate/policy per credit union. Upon discovery of duplicate enrollment, the duplicate will be voided and coverage will not take effect.

Preauthorized Payment Authorization

By clicking "I Accept" below, you authorize the Company to retain your account information and deduct premiums from your checking or savings account or charge your credit card for the additional coverage as indicated above in the Enrollment Summary.

Fraud Notice

Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit, or knowingly presents false information in an application for insurance may be guilty of a crime and subject to fines and confinement in prison, and denial of insurance benefits, depending on state law. Residents of CO: It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies. Residents of DC–WARNING: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits, if false information materially related to a claim was provided by the applicant. Residents of FL and NY: See enrollment form. Residents of AL and MD: Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. Residents of NJ: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties. Residents of OH: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud. Residents of KY and PA: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or a statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

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Call us to find out about other products available in your area.

Monday-Friday, 7:00 AM-9:00 PM CT. Saturday, 8:00 AM-4:00PM CT

By continuing to the next step, you agree that we may contact you at the number you’ve provided, possibly using an autodialer and/or including a prerecorded or artificial voice, for telemarketing or other reasons. You don’t need to give this permission to get a quote or make a purchase: instead, you can call us directly at 1-888-888-0375 .
TruStage Accidental Death and Dismemberment insurance (underwritten by CMFG Life Insurance Company) features guaranteed acceptance and no medical questions.

Your Credit Card information is being validated.

WHO IS ELIGIBILE? Credit union members ages 18 and over, their spouses,* and their unmarried, dependent (or handicapped) children are eligible. Eligibility ages and requirements for dependent and handicapped children may vary by state, so it’s best to refer to the Certificate of Insurance or call for this information. *The term spouse includes a legal partner as defined by state law.

WHAT IS COVERED? Coverage amounts are shown below. Loss must be from a covered injury within 365 days of the accident. Coverage includes 100% of no-cost Basic coverage and, if selected, a percentage (listed below) of Additional Coverage.

Percentage of
No-Cost Basic Coverage

Percentage of
Member’s Additional Coverage

Loss of Life

100%1

plus

100%1

Loss of two of the following: Foot, Hand or Eye

100%1

plus

100%1

Loss of entire sight in both eyes

100%1

plus

100%1

Loss of one of the following: Foot, Hand or Eye

100%2

plus

50%3

Loss of speech or hearing

100%2

plus

50%3

Loss of thumb and index finger of same hand

100%2

plus

25%4

Loss of thumb

N/A

Lesser of 10% or $1,0005

1 Greater of 100% or $5,000 for members of VT credit unions.2 Greater of 100% or $2,500 for members of VT credit unions.3 Greater of 50% or $2,500 for members of VT credit unions.4 Greater of 25% or $1,000 for members of ME credit unions.
Greater of 25% or $2,500 for members of VT credit unions.5 Not available for members of ME or VT credit unions.

Once you or your insured spouse reach age 70, the no-cost and additional coverage amount for that person is reduced by 50%.

ACCEPTANCE GUARANTEED If you are a member of the participating credit union age 18 or older and you return the enrollment form, you will be accepted. No medical questions are required for enrollment.

ADDITIONAL BENEFIT AMOUNTS AND PLANS Because the no-cost Basic coverage may not be enough in the event of a covered accident, you have the option of choosing Additional Coverage from $10,000 to $300,000 at affordable rates. In addition, you can choose to protect just yourself with the Single plan or you can protect all of your loved ones with the Family Plan.

The following additional benefits apply to members of credit unions based in all states except Colorado, Maryland, New York, Nevada, Ohio, Tennessee, Vermont and Washington.

Hospital Confinement Benefit: If you or your covered spouse or child is hospitalized within one year due to injuries caused by a covered accident, and are confined for more than 7 days, we will pay a hospital benefit from the first day of confinement. The benefit will equal 1% of the Additional Coverage for that person for each full month of confinement, up to $1,000 a month or $12,000 a year.Not available to members of Connecticut, Idaho, and Minnesota credit unions.

Cost of Living Benefit: Every two years, on the anniversary date of your enrollment, your Additional Coverage will be increased by 5%. This is at no added cost to you and will continue as long as you remain insured, or until your coverage has increased a full 25%. For example, if you select $300,000 of coverage, your benefit will increase to $375,000 after 10 years.

Double Accidental Death Benefits: If the insured dies within one year of an accident as a result of traveling on a bus, train, or other public form of transportation as a ticketed passenger, your Additional Coverage benefit doubles.

Below are the additional benefits that are part of the Family Plan.(All benefits are available in New Jersey for both the Single Plan and Family Plan)

Family Plan Overview: The Family Plan protects you, your spouse and your dependent (or handicapped) children. Your spouse will be insured at 50% of the coverage level you choose. Dependent and handicapped children will be covered at 20%. If you have no dependent or handicapped children, your spouse will be covered for 60%. If you do not have a spouse, each of your dependent children will be insured for 25% of the coverage level you choose.

College Education Benefit for Children and Spouse: Your beneficiary will receive 2% of your accidental death benefit (up to $3,000 per year) for each of your children (and/or spouse) attending college full-time on the date of the accident. Or, the plan will cover children who are in the 12th grade and attend college full-time within 1 year following the accident. College education for your spouse will be covered if he/she enrolls as a full-time student within 2 years following the accident. This education benefit is payable up to 5 years.

Child Savings Fund: If you die as the result of a covered accident while the Family Plan is in force, your beneficiary will receive $1,000 for each child who is an insured dependent on the date of the accident.Not available to members of Connecticut credit unions.

Child Care Assistance: If you or your covered spouse dies from a covered injury, a child care assistance benefit will be paid to your beneficiary. This benefit will be paid for each month (following the death) that any of your covered children (under age 14) require child care service. Child care service must be provided for at least 120 hours per month. The monthly benefit amount (payable for 1 year following the accident) is 1/12 of 2% of the deceased person's Additional Coverage amount, up to a maximum of $160 per month.

Grief Counseling: This unique benefit pays for counseling services (within 1 year of a covered person's accidental death) for covered survivors. The benefit amount is equal to $50 per session, and is limited to a total of 10 sessions for all covered survivors combined.Not available to members of Connecticut credit unions.

EXCLUSIONS: Most StatesThe following exclusions may not apply or may vary by state as described in the certificate issued.

This coverage does not cover loss caused by or resulting from:

intentional self-inflicted injury;

suicide or attempted suicide while sane or insane;

being intoxicated or as a consequence of taking, using or being under the influence of any narcotic unless administered on the advice of a physician;

declared, undeclared war or war-like act or action by a government, sovereign power, regular or irregular military force, or agent or authority of any of them, including but not limited to insurrection, rebellion, and revolution; the use of any weapons of mass destruction, including but not limited to nuclear, biological or chemical weapons;

flying as a pilot or crew member;

participating in any kind of race or competition as a professional;

operating a motor vehicle with a blood alcohol level exceeding the legal limit as defined by the state law in which the accident occurs;

The following additional benefits apply to members of credit unions based in Colorado, Maryland, Nevada, Ohio, Tennessee, and Vermont.

Hospital Confinement Benefit: If you or your covered spouse or dependent child is hospitalized within one year due to injuries caused by a covered accident, and are confined for more than 7 days, we will pay a hospital benefit from the first day of confinement. The benefit will equal 1% of the Additional Coverage for that person for each full month of confinement, up to $1,000 a month or $12,000 a year.Not available to members of Maryland and Vermont credit unions.

Cost of Living Benefit: Every two years, on the anniversary date of your enrollment, your Additional Coverage will be increased by 5%. This is at no added cost to you and will continue as long as you remain insured, or until your coverage has increased a full 25%. For example, if you select $300,000 of coverage, your benefit will increase to $375,000 after 10 years. (For members of Colorado and Ohio credit unions, your original Additional Coverage amount will increase 7.5% every year until your coverage has increased a full 75%. For members of Maryland and Vermont credit unions, your original Additional Coverage amount will increase 5.5% every year until your coverage has increased a full 55%.)

Double Accidental Death Benefits: If the insured dies within one year of an accident as a result of traveling on a bus, train, or other public form of transportation as a ticketed passenger — your Additional Coverage benefit doubles.

Rehabilitation: If you or your covered spouse or child suffers an accidental dismemberment, we will pay a benefit for outpatient rehabilitation services. The benefit amount is equal to $100 per session and is limited to the lesser of 10% of his/her Additional Coverage amount or $5,000.

Below are the added benefits that are part of the Family Plan.

Family Plan Overview: The Family Plan protects you, your spouse and your dependent (or handicapped) children. Your spouse will be insured at 50% of the coverage level you choose. Dependent and handicapped children will be covered for 20%. If you have no dependent or handicapped children, your spouse will be covered for 60%. If you do not have a spouse, each of your dependent children will be insured for 25% of the coverage level you choose.

College Education Benefit For Children: If you or your spouse dies from a covered injury, a benefit equal to 2% of the deceased person's Additional Coverage amount (up to $4,000 per year) will be paid to each of your children attending college full-time on the date of the accident. Or, the plan will cover children who are in the 12th grade and attend college full-time within 1 year following the accident. This education benefit is payable each year your covered child qualifies, after the death, up to a maximum of 5 years. If there are no covered children, or none that is eligible for this benefit at the time of the death, the beneficiary will receive a lump sum payment of $3,500.

College Education Benefit For Spouse: If you die from a covered injury, a benefit equal to 2% of your Additional Coverage amount (up to a maximum of $4,000 per year) will be paid for your covered spouse if he or she is currently attending college full-time or enrolls as a full-time student within 1 year of the date of the accident. This benefit is payable for each year your spouse continues his or her education without interruption for a maximum of 5 consecutive years. If your spouse is not eligible for this benefit at the time of the death, he or she may choose to receive a one-time lump sum benefit payment equal to $2,000. If there is no covered spouse, we will pay a one-time lump sum benefit of $2,000.

Child Care Assistance: If you or your covered spouse dies from a covered injury, a child care assistance benefit will be paid to your beneficiary. This benefit will be paid for each month (following the death) that any of your covered children (under age 14) require child care service. Child care service must be provided for at least 120 hours per month. The monthly benefit amount (payable for 1 year following the accident) is 1/12 of 6% of the deceased person's Additional Coverage amount, up to a maximum of $400 per month. If there are no dependent children, or none that are eligible for this benefit at the time of death, the beneficiary will receive a lump sum payment of $2,500.

Child Savings Fund: If you die as the result of a covered accident while the Family Plan is in force, your beneficiary will receive $1,000 for each child who is an insured dependent on the date of the accident.

Common Disaster: If both you and your spouse die as a result of the same accident (and within 90 days of the accident), your spouse's coverage will increase to 100% of your additional amount.

Grief Counseling: This unique benefit pays for counseling services (within 1 year of a covered person's accidental death) for covered survivors. The benefit amount is equal to $50 per session, and is limited to a total of 10 sessions for all covered survivors combined.

EXCLUSIONS: CO, MD, NV, OH, TN, VTThe following exclusions may not apply or may vary by state as described in the certificate issued.

This coverage does not cover loss caused by or resulting from

intentional self-inflicted injury;

suicide or attempted suicide while sane or insane;

being intoxicated or as a consequence of taking, using or being under the influence of any narcotic unless administered on the advice of a physician;

declared, undeclared war or war-like act or action by a government, sovereign power, regular or irregular military force, or agent or authority of any of them, including but not limited to insurrection, rebellion, and revolution; the use of any weapons of mass destruction, including but not limited to nuclear, biological or chemical weapons;

flying as a pilot or crew member;

participating in any kind of race or competition as a professional;

operating a motor vehicle with a blood alcohol level exceeding the legal limit as defined by the state law in which the accident occurs;

The following additional benefits apply to members of credit unions based in New York.

Cost of Living Benefit: Every year, on the anniversary date of your enrollment, your Additional Coverage will be increased by 10%. This is at no added cost to you and will continue as long as you remain insured, or until your coverage has increased a full 100%. For example, if you select $300,000 of coverage, your benefit will increase to $600,000 after 10 years.

Double Accidental Death Benefits: If the insured dies within one year of an accident as a result of traveling on a bus, train, or other public form of transportation as a ticketed passenger — your Additional Coverage benefit doubles.

Below are the added benefits that are part of the Family Plan.

Family Plan Overview: The Family Plan protects you, your spouse and your dependent (or handicapped) children. Your spouse will be insured at 60% of the coverage level you choose. Dependent and handicapped children will be covered for 25%. If you have no dependent or handicapped children, your spouse will be covered for 75%. If you do not have a spouse, each of your dependent children will be insured for 40% of the coverage level you choose.

College Education Benefit For Children: If you or your spouse dies from a covered injury, a benefit equal to 3% of the deceased person's Additional Coverage amount (up to $6,000 per year) will be paid for each of your children attending college full-time on the date of the accident. Or, the plan will cover children who are in the 12th grade and attend college full-time within 1 year following the accident. This education benefit is payable each year your covered child qualifies after your death, up to a maximum of 5 years. If there are no covered children, or none of whom is eligible for this benefit at the time of the death, the beneficiary will receive a lump sum payment of $3,500.

College Education Benefit For Spouse: If you die from a covered injury, a benefit equal to 3% of your Additional Coverage amount (up to a maximum of $6,000 per year) will be paid for your covered spouse if he or she is currently attending college full-time or enrolls as a full-time student within 1 year of the date of the accident. This benefit is payable for each year your spouse continues his or her education without interruption for a maximum of 5 consecutive years. If your spouse is not eligible for this benefit at the time of the death, he or she may choose to receive a one-time lump sum benefit payment equal to $2,000. If there is no covered spouse, we will pay a one-time lump sum benefit of $2,000.

Child Care Assistance: If you or your covered spouse dies from a covered injury, a child care assistance benefit will be paid to your beneficiary. This benefit will be paid for each month (following the death) that any of your covered children (under age 14) require child care service. Child care service must be provided for at least 120 hours per month. The monthly benefit amount (payable for 1 year following the accident) is 1/12 of 6% of the deceased person's Additional Coverage amount, up to a maximum of $600 per month. If there are no dependent children, or none that are eligible for this benefit at the time of death, the beneficiary will receive a lump sum payment of $2,500.

Common Disaster: If both you and your spouse die as a result of the same accident (and within 90 days of the accident), your spouse's coverage will increase to 100% of your additional amount.

Grief Counseling: This unique benefit pays for counseling services (within 1 year of a covered person's accidental death) for covered survivors. The benefit amount is equal to $50 per session, and is limited to a total of 10 sessions for all covered survivors combined.

EXCLUSIONS: NYThe following exclusions may not apply or may vary by state as described in the certificate issued.

This coverage does not cover loss caused by or resulting from

intentional self-inflicted injury;

suicide or attempted suicide while sane or insane;

being intoxicated or as a consequence of taking, using or being under the influence of any narcotic unless administered on the advice of a physician;

declared, undeclared war or any act of war;

flying as a pilot or flight crew member except for Professional and Military Pilot or Crew Members (for Additional Coverage only): A total benefit equal to 20% of the Additional Coverage amount will be paid if a covered person is: (1) a professional pilot or crew member and suffers an accidental death or accidental dismemberment while flying a regularly scheduled passenger flight carrying ticketed, fare-paying passengers; or (2) a military pilot or crew member and suffers an accidental death or accidental dismemberment while flying on a military aircraft operating under the authority of any U.S. Armed Forces. (No other benefit is payable for such loss.);

Hospital Confinement Benefit: If you or your covered spouse or child is hospitalized within one year due to injuries caused by a covered accident, and are confined for more than 7 days, we will pay a hospital benefit from the first day of confinement. The benefit will equal 1% of the Additional Coverage for that person for each full month of confinement, up to $1,000 a month or $12,000 a year.

Cost of Living Benefit: Every two years, on the anniversary date of your enrollment, your Additional Coverage will be increased by 5%. This is at no added cost to you and will continue as long as you remain insured, or until your coverage has increased a full 25%. For example, if you select $300,000 of coverage, your benefit will increase to $375,000 after 10 years. (For residents of Washington, your original Additional Coverage amount will increase 3.5% every year until your coverage has increased a full 35%).

Double Accidental Death Benefits: If the insured dies within one year of an accident as a result of traveling on a bus, train, or other public form of transportation as a ticketed passenger, your Additional Coverage benefit doubles.

Rehabilitation: If you or your covered spouse or child suffers an accidental dismemberment, we will pay a benefit for outpatient rehabilitation services. The benefit amount is equal to $100 per session and is limited to the lesser of 10% of his/her Additional Coverage amount or $5,000.

Below are the added benefits that are part of the Family Plan.

Family Plan Overview: The Family Plan protects you, your spouse and your dependent (or handicapped) children. Your spouse will be insured at 50% of the coverage level you choose. Dependent and handicapped children will be covered at 20%. If you have no dependent or handicapped children, your spouse will be covered for 60%. If you do not have a spouse, each of your dependent children will be insured for 25% of the coverage level you choose.

College Education Benefit for Children: If you or your spouse dies from a covered injury, a benefit equal to 2% of the deceased person's Additional Coverage amount (up to $4,000 per year) will be paid for each of your children attending college full-time on the date of the accident. Or, the plan will cover children who are in the 12th grade and attend college full-time within 1 year following the accident. This education benefit is payable each year your covered child qualifies after your death, up to a maximum of 5 years. If there are no covered children, or none that are eligible for this benefit at the time of death, the beneficiary will receive a lump sum payment of $3,500.

College Education Benefit for Spouse: If you die from a covered injury, a benefit equal to 2% of your Additional Coverage amount (up to a maximum of $4,000 per year) will be paid for your covered spouse if he or she is currently attending college full-time or enrolls as a full-time student within 1 year of the date of the accident. This benefit is payable for each year your spouse continues his or her education without interruption for a maximum of 5 consecutive years. If your spouse is not eligible for this benefit at the time of death, he or she may choose to receive a one-time lump sum benefit payment equal to $2,000. If there is no covered spouse, we will pay a one-time lump sum benefit of $2,000.

Child Care Assistance: If you or your covered spouse dies from a covered injury, a child care assistance benefit will be paid to your beneficiary. This benefit will be paid for each month (following the death) that any of your covered children (under age 14) require child care service. Child care service must be provided for at least 120 hours per month. The monthly benefit amount (payable for 1 year following the accident) is 1/12 of 6% of the deceased person's Additional Coverage amount, up to a maximum of $400 per month. If there are no dependent children, or none that are eligible for this benefit at the time of death, the beneficiary will receive a lump sum payment of $2,500.

Child Savings Fund: If you die as the result of a covered accident while the Family Plan is in force, your beneficiary will receive $1,000 for each child who is an insured dependent on the date of the accident.

Common Disaster: If both you and your spouse die as a result of the same accident (and within 90 days of the accident), your spouse's coverage will increase to 100% of your additional amount.

EXCLUSIONS: (Residents of WashingtonThe following exclusions may not apply or may vary by state as described in the Policy issued.

This coverage does not cover loss caused by or resulting from

intentional self-inflicted injury;

suicide or attempted suicide while sane or insane;

being intoxicated or as a consequence of taking, using or being under the influence of any narcotic unless administered on the advice of a physician;

declared, undeclared war or any act of war;

flying as a pilot or flight crew member except for Professional and Military Pilot or Crew Members (for Additional Coverage only): A total benefit equal to 20% of the Additional Coverage amount will be paid if a covered person is: (1) a professional pilot or crew member and suffers an accidental death or accidental dismemberment while flying a regularly scheduled passenger flight carrying ticketed, fare-paying passengers; or (2) a military pilot or crew member and suffers an accidental death or accidental dismemberment while flying on a military aircraft operating under the authority of any U.S. Armed Forces. (No other benefit is payable for such loss.);

TERMINATION OF COVERAGE
Your coverage cannot be canceled as long as your premiums are paid.

EFFECTIVE DATE OF COVERAGE
You will be mailed a Policy of Insurance. Your coverage becomes effective with the date shown on the Policy.

LIMITATIONS
The general terms of the insurance plan are described in this summary. A Certificate of Coverage (and Policy for Additional Coverage) containing exact coverage and benefits will be provided to each participating member.

TruStage™ Accidental Death and Dismemberment Insurance is made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

Members of credit unions based in all states except Colorado, Maryland, New York, Nevada, Ohio, Tennessee, Vermont and Washington
Base Policy Series E10-ADD-2012 and E10a-014-2012

Members of credit unions based in Colorado, Maryland, New York, Nevada, Ohio, Tennessee and Vermont
Base Policy Series E10a-015-2012

Residents of Washington
Base Policy Series E10a-015-2012 and F10a-015-2012-1(WA)

Advertising form number
MC2702-0813

Add more AD&D coverage at a price you'll like.

$100,000 in coverage can cost about $10-$15 a month.

Additional coverage can cost about $10-$15 a month for every $100,000 in coverage.

Why is accidental death and dismemberment coverage important?

Learn more about this important coverage and how it protects your family.

Learn more about TruStage AD&D

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What is TruStage?

Insurance endorsed by your credit union, more than million members strong.

TruStage is insurance the credit union way. Our products-life insurance, accidental death and dismemberment insurance and an auto and home insurance program-are made available through the TruStage Insurance Agency.

Today, more than million members rely on us for products, programs, services, expertise and experience. With a commitment to dependability and a members-first philosophy, we strive to help you achieve the Insurance protection you want for your family.

FAQs

Accidental death and dismemberment insurance (AD&D) is insurance coverage that pays a cash benefit in the event of an accident that causes death or a serious covered injury.

The National Institutes for Health report that accidents are the leading cause of death for those 44 and under.* That’s why AD&D can be a good supplement to life insurance, enhancing your overall protection and adding coverage for specific serious injuries from accidents.

If a serious accident occurs, AD&D could help your family in a time of need. It can be an affordable supplement to life insurance and offers these built-in benefits:

No medical questions and acceptance is guaranteed. If you’re a credit union member over the age of 18, you can’t be turned down.

An inflation-protection benefit. The AD&D policy you buy has a built-in “cost of living” benefit. Your coverage increases over time at no added cost to you.

Fast and easy online application. In minutes, you can apply for no-cost coverage or add more coverage—right online. Our FastApply AD&D process is quick and easy. Usually it takes three minutes or less.

Please note: Once you or your insured spouse reach age 70, the no-cost and additional coverage amount for that person is reduced by 50%.

TruStage® accidental death & dismemberment insurance is made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

Other coverage amounts are available. One no-cost coverage offer per credit union member.

1A.M. Best is an independent rating service which evaluates financial stability and operating performance. An “A” rating is the third-highest of 16 ratings